If this is already the case, please share a few more details. What version of Nextcloud are you using, when you open the client, what do you see in the logfiles of Nextcloud and your webserver (there we can hopefully see what your client tries to access and why it fails).
Unfortunately, Nextcloud Contacts corrupts the cardDAV files so that the iPhone, for example, does not display such contacts anymore. If I then “repair” (edit) them using KDE Kontact, they immediately reappear at the iPhone contacts.
Example: If a label is missing for an entry, e.g. the label private or business for a location or a URL, the entire contact is considered defective and is no longer displayed on the iPhone. If I add the missing label with a another address book editor, the contact also appears again in the Nextcloud address book.
Sometimes an address entry is also displayed completely in one line in the first field. The field entries themselve, are then displayed separated by “;”. If I edit this contact then in an external address editor, the details appear correctly again in the respective fields of the Nextcloud contacts. And the complete entry again in the iOS contacts of course.
As I said, the Nextcloud address book keeps corrupting the entries here, which means that they are no longer displayed on iOS, for example.
In my case the point is, that on my iPhone is everything working as I’d expect it. The problem is my MacBook. There I’m missing 99% of my contacts and I don’t know why…